How do you restore bad credit?
Once you have signed up and we've pulled your credit
reports, we will dispute negative items on your behalf.
We communicate your dispute in such a way that the credit bureaus will
accept the dispute and conduct an investigation. While this may sound
easy, any person who has attempted to dispute his or her own credit
will tell you otherwise. According to federal law, the credit bureaus
can ignore your dispute under a variety of conditions. In our
experience, a large part of dispute letters sent directly from
consumers, as well as other credit repair companies, are rejected under one pretext or another.
At the conclusion of the credit
bureau's investigation, a new copy of the credit report is sent
directly to you along with any deletions or improvements. First make a
copy for yourself. Then, send us the new credit report and the cycle
repeats itself to continue improving your credit report.
A disputed credit listing must be
accurate and verifiable for it to remain on the credit report. If the
credit listing is only somewhat inaccurate, the credit bureau may
simply change the item to reflect the accurate status. Very often,
though, disputed credit items cannot be verified: the creditor either
no longer possesses the information or does not wish to go to the
trouble of verifying it. Also, the reinvestigation must be completed
within 30 days or the listing must be removed. For these reasons,
properly disputed credit listings are often removed with remarkable
frequency.
Each time an investigation is commenced, the odds of receiving a particular deletion increases.
Contact us right away for a free consultation about your credit situation to see if our program is appropriate for you
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